VA Loan / VA Refinance Information

  • Why Choose Us?
  • VA Loan Benefits
  • VA Loan Purchase
  • VA Refinancing
  • Get Started Now!
  • WE SPECIALIZE IN VA LOANS!

    At Capital Bank, N.A., we understand the honor and sacrifice that are the hallmark of US Veterans throughout our nation’s history. We are passionate about helping Veterans buy their first home as affordable as possible, and empowering current Veteran homeowners with money-saving VA loans refinance options.

    We work hard to ensure that the VA loan application process is simple and stress-free for military members. It is our honor to provide our Veterans with caring, knowledgeable assistance in obtaining an affordable VA loans quickly and easily. With Capital Bank, N.A., you’ll always receive personalized, one-on-one service from our network of lenders.

    Help is available!  Our network of friendly and knowledgeable VA loan experts look forward to assisting you. Contact us at +1 (866) 216-3577 or [email protected] today!

    Capital Bank, N.A.

    Capital Bank Homepage

    Capital Bank, N.A. has extensive experience with Veterans and Active Duty Military. This means we are experts in the VA Loan Process, VA Loan Guidelines, and VA Loan Qualifications. Our vast experience in VA Home Lending makes our process quick and easy. Our network of VA Experts will be there with you from beginning to end, working to make sure everything is in order so that your VA Home Loan is a smooth transaction.

    Capital Bank, N.A. is a network of Nationwide VA Approved Lenders which enables us to assist Veterans everywhere obtain the best VA Loan Rates in the industry!

    Our network of lenders specializes in Veterans and Active Duty Military

    Capital Bank, N.A.’s network of VA Experts make the VA Loan process quick and easy

     

    Questions? Call us now at (866) 216-3577 to talk with a VA Loan specialist.

  • VA Loan Benefits

    The benefits to using VA Loans are No Money Down, Lower Interest Rate, and a Lower Monthly Payment!

    As of 2011, The Department of Veterans Affairs currently guarantees $58 Billion worth of VA Loans, yet less than 10% of eligible Veterans use their VA loan benefits. Capital Bank, N.A.’s goal is to educate all Veterans as to their VA Loan Benefits.

    NO Money Down

    VA Loans do not require a down payment

    The VA Loan Program is the only loan available that allows for $0 down. With the tightening of the mortgage market, it is becoming harder for those to obtain financing because of the large down payment requirements. Because of the VA’s Guarantee, eligible Veterans are NOT required to put any money down!* This could potentially save you tens of thousands of dollars in out of pocket expenses, that’s money you could use to move, decorate, upgrade or renovate the home you purchase.

    *The 100% financing is restricted to county limits.

    Lower Mortgage Payments & VA Loan Rates!

    VA Loans have NO Mortgage Insurance…this can save you thousands a year.

    Unlike Conventional and FHA loans, VA Loans have NO Mortgage Insurance. The mortgage insurance for Conventional and FHA loans are typically between .5% and .85% per year. Additionally FHA charges 1.75% in Up Front Mortgage Insurance. This can cost you thousands of dollars a year. Why would you pay for mortgage insurance that you don’t need? The VA Loan does not require mortgage insurance making your total monthly payment lower and more affordable.

    Questions? Call us now at (866) 216-3577 to talk with a VA Loan specialist.

  • Buying a home?

    Don’t know what the options are? Are VA Loans really better?

    Capital Bank, N.A., Inc. can help you answer all of these questions. We are THE premier network of VA Loan Experts.

    If you are active duty or a veteran a VA Loan is usually the best option for financing your new home purchase for a number of reasons.

    Zero Down Payment Required

    The single biggest benefit to a VA Loan is that there is not a down payment requirement. This is a unique feature to VA Loans. Other types of financing require at least 3.5% down.

    Flexible Credit Standards

    The income and credit standards are much more flexible for VA Loans have with Conventional or FHA loans. Bottom line…it’s easier to qualify for a VA Loan than other types of financing.

    More Benefits…

    Lower VA Loan Rates & Lower Payment

    Because of the VA Guarantee lenders are able to offer lower interest rate on VA Home Loans than other types of financing. Additionally, the VA Guarantee eliminates the need for Mortgage Insurance. This means that a veteran can expect to save in effective interest rate by using a VA Loan Financing; this can save the Veteran thousands of dollars a year.

    Are you a First Time Home Buyer?

    Buying your first home is a major life decision. Capital Bank, N.A. is here to make the process as smooth as possible.

    A VA Loan is the perfect option for first time home-buyers because of less restrictive guidelines, no down payment requirement, and a lower monthly payment with NO mortgage insurance.

    Questions? Call us now at (866) 216-3577 to talk with a VA Loan specialist.

  • Refinancing Your Home?

    Refinancing Your VA Loan is EASY!

    Save money, monthly, by refinancing your VA Loan. A VA Mortgage Refinance / VA Streamline Refinance never has out of pocket cost and could save you thousands of dollars a year, depending on your loan and situation.  Contact us to discuss options available to you.

    VA Streamline Refinance

    A VA Streamline Refinance otherwise known as an IRRL (Interest Rate Reduction Loan) is a very easy way to lower your interest rate and save you money right away. The benefits of a VA Streamline Refinance (Interest Rate Reduction Loan) are:

    NO Appraisal Required (In Most Cases)

    NO Income Verification Required (In Most Cases)

    Reduced VA Funding Fee

    Don’t have a VA Loan Currently? Do you pay mortgage insurance?

    Capital Bank, N.A. can help you save hundreds of dollars a month, depending on your loan and situation.  Contact us to discuss options available to you, if you answered yes to any of these questions.

    If you don’t have a VA Loan Currently don’t let your VA Loan Benefits go to waste. You can refinance from a Conventional or FHA loan. The benefits to refinancing to a VA Loan are:

    Eliminate Mortgage Insurance

    Lower your Monthly Payment

    Reduce the amount of Interest You Pay

    VA Cash-Out Refinance

    Looking for Cash to improve your home, pay off debt, or anything else? VA loans may be your best option.

    The VA Loan Program allows eligible veterans to cash out up to 90% of the value of their property. The program is not limited to those who currently have a VA Loan; ANY ELIGIBLE VETERAN may take advantage of this programs

    VA Refinancing Continued…

    VA Streamline Refinance

    The VA Streamline Refinance is an easy, fast, and effective way to lower your monthly payment or reduce the term of your loan.   The VA Streamline Refinance (IRRL or Interest Rate Reduction Loan) is designed for those active duty military or veterans who currently have an existing VA Home Mortgage.  There are minimal requirements for the VA Streamline Refinance and Capital Bank, N.A. makes it easy.

    The VA Streamline Refinance Benefits are:

    NO Appraisal Required (In Most Cases)

    NO Income Verification Required (In Most Cases)

    Reduced VA Funding Fee

    Receive existing escrow account refunded back to you

    Conventional to VA Refinance

    Don’t have a VA Loan Currently?  Do you pay mortgage insurance?  Is Your Current Interest Rate above 5%?  Capital Bank, N.A. can help you save hundreds of dollars a month, if you answered yes to any of these questions.  If you don’t have a VA Loan Currently don’t let your VA Home Loan Benefits go to waste.  You can refinance from a Conventional or FHA loan to VA Home Loan today. The benefits to refinancing to a VA Loan Refinance are:

    Eliminate Mortgage Insurance

    Lower your Monthly Payment

    Lower your Interest Rate

    Reduce the amount of Interest You Pay

    Questions? Call us now at (866) 216-3577 to talk with a VA Loan specialist.

  • Ready to Get Started?

    If you’re ready to start saving money by taking advantage of your hard-earned Veteran benefits, start with our easy application form. Our lenders will be in touch with you soon to answer any questions and to help you complete the VA loan application process. In the meantime, contact us at any time!

    Questions? Call us now at (866) 216-3577 to talk with a VA Loan specialist.